United Bankshares Ratios (2011-2025) | UBSI

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Ratios	Mar2011	Jun2011	Sep2011	Dec2011	Mar2012	Jun2012	Sep2012	Dec2012	Mar2013	Jun2013	Sep2013	Dec2013	Mar2014	Jun2014	Sep2014	Dec2014	Mar2015	Jun2015	Sep2015	Dec2015	Mar2016	Jun2016	Sep2016	Dec2016	Mar2017	Jun2017	Sep2017	Dec2017	Mar2018	Jun2018	Sep2018	Dec2018	Mar2019	Jun2019	Sep2019	Dec2019	Mar2020	Jun2020	Sep2020	Mar2021	Jun2021	Sep2021	Dec2021	Mar2022	Jun2022	Sep2022	Dec2022	Mar2023	Jun2023	Sep2023	Dec2023	Mar2024	Jun2024	Sep2024	Dec2024	Mar2025	Jun2025	Sep2025
Profitability
EBT Margin	34.66%	33.84%	32.83%	32.92%	35.75%	35.70%	32.30%	35.73%	37.44%	38.06%	38.34%	33.52%	41.34%	43.95%	43.27%	41.70%	44.43%	45.28%	45.22%	43.92%	46.15%	40.25%	46.72%	47.77%	47.93%	8,350.07%	414.88%	554.31%	546.36%	457.50%	620.16%	688.91%	591.84%	390.42%	345.46%	431.74%	284.00%	93.39%	121.29%	205.62%	322.91%	275.53%	341.39%	529.93%	957.36%	1,276.23%	2,735.35%	1,311.20%	1,243.01%	1,302.91%	1,144.21%	1,206.32%	1,237.24%	1,273.94%	1,277.94%	1,148.95%	1,573.76%	1,621.32%
EBIT Margin	53.89%	52.19%	48.50%	47.99%	50.58%	49.60%	45.17%	47.18%	48.65%	49.18%	49.01%	43.32%	50.20%	53.57%	52.81%	51.08%	53.15%	53.68%	54.04%	52.72%	55.11%	48.90%	56.07%	57.37%	58.60%	11,120.74%	519.41%	695.80%	705.20%	611.99%	893.22%	1,041.50%	920.25%	614.76%	547.10%	674.44%	505.00%	134.61%	143.77%	228.09%	359.91%	305.29%	383.51%	588.74%	1,060.76%	1,505.26%	3,998.05%	2,325.76%	2,513.48%	2,686.85%	2,675.83%	2,841.49%	2,829.23%	2,893.69%	2,791.99%	2,691.79%	3,091.34%	3,108.18%
EBITDA Margin	56.09%	54.13%	51.01%	50.93%	52.82%	52.38%	47.50%	49.37%	50.66%	51.22%	51.31%	46.08%	51.91%	55.56%	54.88%	53.64%	55.04%	55.44%	56.33%	54.72%	56.87%	50.62%	57.70%	59.28%	60.19%	11,486.81%	534.40%	715.62%	726.86%	629.53%	922.54%	1,071.91%	944.48%	631.69%	562.50%	694.51%	526.81%	141.95%	148.90%	237.33%	375.69%	322.63%	408.45%	626.93%	1,119.50%	1,582.80%	4,146.71%	2,400.49%	2,599.55%	2,764.09%	2,758.61%	2,917.88%	2,910.17%	2,976.67%	2,870.89%	2,784.00%	3,179.82%	3,192.36%
Net Margin	23.74%	23.18%	22.49%	22.55%	24.31%	24.28%	21.97%	24.30%	25.46%	26.60%	26.07%	22.79%	27.08%	29.45%	28.99%	27.94%	30.81%	30.34%	30.92%	29.21%	30.46%	26.56%	32.13%	30.34%	31.51%	5,490.22%	278.33%	117.41%	423.51%	354.56%	485.14%	552.72%	465.19%	309.65%	274.64%	360.66%	227.91%	77.24%	94.82%	163.47%	256.71%	219.35%	270.10%	425.27%	768.28%	1,018.82%	2,159.42%	1,050.06%	991.52%	1,035.95%	871.75%	967.72%	1,034.82%	1,012.08%	996.60%	905.83%	1,249.18%	1,288.79%
FCF Margin	46.24%	22.28%	24.69%	41.16%	36.64%	30.20%	30.65%	45.14%	51.21%	32.83%	38.58%	37.76%	30.16%	17.46%	34.81%	42.42%	46.62%	15.43%	44.87%	42.48%	48.30%	4.83%	47.23%	32.33%	51.39%	-4,469.93%	396.93%	819.95%	1,082.55%	-328.42%	888.70%	638.95%	668.76%	-294.03%	235.15%	323.28%	110.42%			119.05%	724.28%	467.51%	191.38%	1,458.62%	1,637.57%	1,271.48%	2,858.05%	1,225.24%	661.22%	946.08%	1,749.96%	1,333.17%	624.19%	1,296.43%	1,409.08%	1,247.31%	881.60%	1,443.24%
Efficiency
Assets Average		7.16B	7.86B	8.51B	8.49B	8.49B	8.42B	8.40B	8.37B	8.40B	8.50B	8.62B	10.31B	11.97B	12.07B	12.21B	12.24B	12.28B	12.49B	12.57B	12.59B	13.47B	14.34B	14.43B	14.64B	16.90B	19.08B	19.09B	18.84B	18.91B	19.20B	19.22B	19.45B	19.76B	19.82B	19.71B	20.02B	23.30B	26.08B	26.48B	27.11B	27.35B	28.42B	29.35B	29.07B	28.91B	29.27B	29.84B	29.94B	29.46B	29.58B	29.98B	29.99B	29.91B	29.94B	31.41B	32.79B	33.10B
Equity Average		0.80B	0.89B	0.97B	0.97B	0.98B	0.98B	0.99B	1.00B	1.00B	1.01B	1.03B	1.33B	1.63B	1.65B	1.65B	1.67B	1.68B	1.70B	1.71B	1.72B	1.87B	8.18B	8.29B	8.50B	16.90B	19.08B	11.19B	3.25B	3.25B	3.25B	3.25B	3.27B	3.31B	3.34B	3.36B	3.35B	3.77B	4.23B	4.30B	4.36B	4.41B	4.57B	4.66B	4.54B	4.46B	4.48B	4.56B	4.62B	4.64B	4.71B	4.79B	4.83B	4.91B	4.98B	5.15B	5.34B	5.41B
Invested Capital	0.80B	1.15B	1.34B	1.22B	0.98B	0.98B	0.99B	0.99B	1.00B	1.01B	1.02B	1.04B	1.62B	1.64B	1.65B	1.66B	1.68B	1.69B	1.71B	1.71B	1.74B	2.01B	14.34B	2.24B	14.76B	19.04B	19.13B	3.24B	3.25B	3.24B	3.25B	3.25B	4.89B	4.88B	5.03B	5.20B	5.67B	5.55B	4.91B	4.87B	4.93B	4.96B	5.54B	5.13B	5.00B	5.45B	6.71B	7.12B	6.55B	5.76B	6.56B	6.27B	6.07B	5.23B	5.53B	5.56B	5.61B	5.70B
Asset Utilization Ratio				0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.03	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.03	0.03	0.03	0.03	0.02	0.01	0.01	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.01	0.01	0.01	0.01	0.01	0.01	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Leverage & Solvency
Interest Coverage Ratio	2.80	2.84	3.09	3.18	3.41	3.57	3.51	4.12	4.34	4.43	4.59	4.42	5.66	5.57	5.54	5.45	6.10	6.40	6.13	5.99	6.15	5.65	6.00	5.98	5.49	4.01	4.97	4.92	4.44	3.96	3.27	2.95	2.80	2.74	2.71	2.78	2.29	3.27	6.40	10.15	9.73	10.26	9.11	10.01	10.26	6.57	3.17	2.29	1.98	1.94	1.75	1.74	1.78	1.79	1.84	1.74	2.04	2.09
Debt to Equity	0.32	0.49	0.51	0.52	0.25	0.26	0.28	0.21	0.22	0.44	0.43	0.57	0.47	0.53	0.56	0.50	0.42	0.42	0.39	0.50	0.51	0.64	0.07	0.40	0.06	0.06	0.07	0.39	0.33	0.48	0.40	0.44	0.49	0.46	0.50	0.55	0.70	0.32	0.15	0.12	0.12	0.12	0.11	0.12	0.11	0.23	0.42	0.55	0.41	0.24	0.32	0.30	0.25	0.06	0.06	0.06	0.06	0.05
Debt Ratio	0.04	0.05	0.06	0.06	0.03	0.03	0.03	0.02	0.03	0.05	0.05	0.07	0.06	0.07	0.08	0.07	0.06	0.06	0.05	0.07	0.07	0.09	0.07	0.06	0.06	0.06	0.07	0.07	0.06	0.08	0.07	0.07	0.08	0.08	0.08	0.09	0.11	0.05	0.02	0.02	0.02	0.02	0.02	0.02	0.02	0.03	0.06	0.08	0.06	0.04	0.05	0.05	0.04	0.01	0.01	0.01	0.01	0.01
Equity Ratio	0.11	0.11	0.11	0.11	0.11	0.12	0.12	0.12	0.12	0.12	0.12	0.12	0.14	0.14	0.14	0.13	0.14	0.14	0.14	0.14	0.14	0.14	1.00	0.15	1.00	1.00	1.00	0.17	0.17	0.17	0.17	0.17	0.17	0.17	0.17	0.17	0.16	0.16	0.16	0.16	0.16	0.16	0.16	0.16	0.16	0.15	0.15	0.15	0.16	0.16	0.16	0.16	0.16	0.17	0.17	0.16	0.16	0.16
Times Interest Earned	2.80	2.84	3.09	3.18	3.41	3.57	3.51	4.12	4.34	4.43	4.59	4.42	5.66	5.57	5.54	5.45	6.10	6.40	6.13	5.99	6.15	5.65	6.00	5.98	5.49	4.01	4.97	4.92	4.44	3.96	3.27	2.95	2.80	2.74	2.71	2.78	2.29	3.27	6.40	10.15	9.73	10.26	9.11	10.01	10.26	6.57	3.17	2.29	1.98	1.94	1.75	1.74	1.78	1.79	1.84	1.74	2.04	2.09
Dividends & Payouts
FCF Payout Ratio	0.38	0.78	0.60	0.41	0.49	0.59	0.58	0.40	0.36	0.57	0.48	0.48	0.48	1.12	0.55	0.44	0.42	1.25	0.44	0.46	0.42	3.98	0.41	0.61	0.40	-0.89	0.43	0.28	0.23	-0.58	0.30	0.48	0.38	-0.54	0.61	0.61	1.86			0.58	0.17	0.23	0.87	0.17	0.24	0.38	0.37	0.42	0.79	0.56	0.31	0.42	0.86	0.41	0.38	0.43	0.63	0.36
Valuation
Enterprise Value	-0.11B	-0.11B	-0.46B	0.03B	-0.06B	-0.04B	0.11B	0.12B	0.28B	0.20B	0.32B	0.36B	0.26B	1.52B	1.55B	1.84B	1.94B	1.88B	1.63B	1.72B	1.65B	1.51B	1.76B	2.10B	1.76B	2.70B	2.15B	1.98B	2.56B	2.72B	2.51B	2.18B	2.53B	2.53B	2.88B	3.80B	1.01B	0.75B	1.13B	2.01B	1.04B	0.67B	4.41B	1.95B	3.07B	3.45B	5.20B	2.82B	2.31B	2.54B	3.47B	3.10B	2.53B	3.11B	2.79B	2.35B	2.86B	2.75B
Market Capitalization	1.16B	1.07B	1.01B	1.42B	1.45B	1.30B	1.25B	1.22B	1.34B	1.33B	1.46B	1.59B	2.11B	2.23B	2.14B	2.59B	2.61B	2.79B	2.64B	2.57B	2.56B	2.61B	2.88B	3.54B	3.42B	4.11B	3.90B	3.65B	3.70B	3.83B	3.77B	3.21B	3.70B	3.79B	3.86B	3.93B	2.34B	2.81B	2.79B	4.98B	4.72B	4.70B	4.69B	4.76B	4.74B	4.81B	5.45B	4.74B	4.00B	3.72B	5.07B	4.83B	4.39B	5.02B	5.08B	4.97B	5.18B	5.27B
Return Ratios
Return on Sales				0.23%	0.23%	0.23%	0.23%	0.24%	0.24%	0.25%	0.26%	0.25%	0.26%	0.27%	0.27%	0.28%	0.29%	0.29%	0.30%	0.30%	0.30%	0.29%	0.30%	0.30%	0.30%	0.41%	0.63%	0.94%	3.41%	2.94%	3.40%	4.41%	4.51%	4.30%	3.67%	3.38%	2.93%	1.74%	1.22%	1.16%	1.28%	1.57%	2.14%	2.73%	3.40%	5.12%	8.19%	10.86%	11.78%	11.87%	9.88%	9.67%	9.78%	9.72%	10.03%	9.87%	10.43%	11.15%
Return on Invested Capital				0.09%	0.11%	0.12%	0.12%	0.12%	0.11%	0.11%	0.11%	0.11%	0.09%	0.08%	0.09%	0.10%	0.10%	0.10%	0.10%	0.10%	0.10%	0.09%	0.02%	0.02%	0.02%	0.01%	0.01%	0.02%	0.07%	0.08%	0.09%	0.11%	0.09%	0.08%	0.08%	0.08%	0.07%	0.06%	0.07%	0.08%	0.09%	0.09%	0.08%	0.07%	0.08%	0.08%	0.08%	0.08%	0.09%	0.11%	0.12%	0.12%	0.13%	0.15%	0.16%	0.15%	0.15%	0.16%
Return on Assets				0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%
Return on Equity				0.08%	0.08%	0.08%	0.08%	0.08%	0.08%	0.08%	0.09%	0.08%	0.07%	0.06%	0.07%	0.08%	0.08%	0.08%	0.08%	0.08%	0.08%	0.07%	0.02%	0.02%	0.02%	0.01%	0.01%	0.01%	0.05%	0.06%	0.06%	0.08%	0.08%	0.08%	0.08%	0.08%	0.07%	0.06%	0.06%	0.07%	0.08%	0.09%	0.08%	0.07%	0.08%	0.08%	0.08%	0.09%	0.09%	0.08%	0.08%	0.07%	0.07%	0.07%	0.07%	0.07%	0.07%	0.08%

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United Bankshares Ratios (2011-2025) | UBSI

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